The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$73,059
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,331
−HK$2,309/mo
Today · 4.125%
HK$77,640
baseline
▲ 0.50% · 4.625%
HK$82,364
+HK$4,724/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,280/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,277
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,457
−HK$2,211/mo
Today · 4.125%
HK$85,668
baseline
▲ 0.50% · 4.625%
HK$90,184
+HK$4,516/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,336/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,670
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,397
−HK$2,771/mo
Today · 4.125%
HK$93,168
baseline
▲ 0.50% · 4.625%
HK$98,837
+HK$5,669/mo
Deposit HK$12.82M · loan HK$19.22M · min. income ≈ HK$186,336/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,532
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,148
−HK$2,654/mo
Today · 4.125%
HK$102,802
baseline
▲ 0.50% · 4.625%
HK$108,221
+HK$5,419/mo
Deposit HK$12.82M · loan HK$19.22M · min. income ≈ HK$205,604/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,282
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,464
−HK$3,232/mo
Today · 4.125%
HK$108,696
baseline
▲ 0.50% · 4.625%
HK$115,310
+HK$6,614/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$217,392/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,788
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,840
−HK$3,096/mo
Today · 4.125%
HK$119,936
baseline
▲ 0.50% · 4.625%
HK$126,257
+HK$6,321/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$239,872/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,506
−HK$8,246/mo
▼ 0.25% · 3.875%
HK$135,596
−HK$4,156/mo
Today · 4.125%
HK$139,752
baseline
▲ 0.50% · 4.625%
HK$148,256
+HK$8,504/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$279,504/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,299
−HK$7,904/mo
▼ 0.25% · 3.875%
HK$150,222
−HK$3,981/mo
Today · 4.125%
HK$154,203
baseline
▲ 0.50% · 4.625%
HK$162,331
+HK$8,128/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$308,406/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,687 · Scale 2, in force from 26 Feb 2026)